With my LTRs I have been switching to all tenant paid utilities after my first winter where I discovered the majority of my tenants were setting the heat at 78 (which is unreasonable in Northern New Hampshire) and leaving their windows open in -20 degree weather.

i have much higher expenses and more headaches of course, but cash flow is higher.most major tier 1 or tier 2 cities should have significant enough rental demand to be able to implement this strategy pretty successfully. 

Pittsburgh is home to many major universities including the rapidly growing Carnegie Mellon University which is “at least partially responsible for Pittsburgh’s growth, from revitalized neighborhoods to a vibrant and booming restaurant scene.”

You can’t go to the Lands department and ask.  

Philly, like a lot of major US cities, is very block by block.

Tell him you'll give him a call :) This is one of the reasons why we tell tenants they need to vacate the property for any major repairs.  

Did you keep some coverage in case of major lawsuits? 

I am not a lender, I'm an investor that typically buys major city-center multifamily. 

I would also try to contact the code compliance department for advice.

One of the major driving factors for increased premiums is the carrier's requirement for higher replacement cost limits on file for buildings.